DIMC (Dimeco) Cyclically Adjusted Book per Share: $40.26 (As of Jun. 2026)

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DIMC Dimeco Inc DIMC
51 GF Score
Price $63.80
GF Value $51.25
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Dimeco Cyclically Adjusted Book per Share?

Dimeco DIMC 51 Cyclically Adjusted Book per Share is $40.26 as of Jun. 2026. GuruFocus rates DIMC with a GF Score™ of 51/100 and a GF Value™ of $51.25 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Dimeco's adjusted book value per share for the three months ended in Jun. 2026 was $52.260. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $40.26 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Dimeco's average Cyclically Adjusted Book Growth Rate was 9.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.20% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 9.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Dimeco was 11.20% per year. The lowest was 4.30% per year. And the median was 8.20% per year.

As of today (2026-09-09), Dimeco's current stock price is $63.80. Dimeco's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $40.26. Dimeco's Cyclically Adjusted PB Ratio of today is 1.58.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Dimeco was 1.72. The lowest was 0.99. And the median was 1.21.


Dimeco  (OTCPK:DIMC) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Dimeco's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=63.80/40.26
=1.58

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Dimeco was 1.72. The lowest was 0.99. And the median was 1.21.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Dimeco Cyclically Adjusted Book per Share Related Terms


Dimeco Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Dimeco's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Dimeco Cyclically Adjusted Book per Share Chart

Dimeco Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.63 29.92 32.31 34.96 37.93

Dimeco Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 36.70 37.46 37.93 39.22 40.26

DIMC vs MNAT, EMYB, TYCB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Dimeco's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Dimeco Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Dimeco's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Dimeco's Cyclically Adjusted PB Ratio falls into.


DIMC
51GF Score
Dimeco Inc DIMC
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dimeco Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Dimeco's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=52.26/333.9520*333.9520
=52.260

Current CPI (Jun. 2026) = 333.9520.

Dimeco Quarterly Data

Book Value per Share CPI Adj_Book
200912 20.135 215.949 31.138
201003 20.214 217.631 31.018
201006 20.564 217.965 31.507
201009 20.979 218.439 32.073
201012 21.143 219.179 32.215
201103 21.482 223.467 32.103
201106 22.179 225.722 32.813
201109 22.645 226.889 33.331
201112 22.968 225.672 33.988
201203 23.396 229.392 34.060
201206 23.958 229.478 34.865
201209 24.197 231.407 34.920
201212 24.564 229.601 35.728
201712 29.958 246.524 40.582
201812 31.978 251.233 42.507
201912 35.140 256.974 45.666
202009 0.000 260.280 0.000
202012 37.570 260.474 48.168
202103 0.000 264.877 0.000
202106 0.000 271.696 0.000
202109 39.598 274.310 48.208
202112 39.611 278.802 47.446
202203 36.738 287.504 42.673
202206 34.465 296.311 38.843
202209 33.188 296.808 37.341
202212 34.447 296.797 38.759
202303 36.264 301.836 40.123
202306 0.000 305.109 0.000
202309 35.102 307.789 38.086
202312 38.902 306.746 42.352
202403 39.073 312.332 41.778
202406 40.004 314.175 42.522
202409 42.628 315.301 45.150
202412 42.177 315.605 44.629
202503 43.716 319.799 45.651
202506 44.733 322.561 46.313
202509 47.560 324.800 48.900
202512 49.320 324.054 50.826
202603 50.274 330.213 50.843
202606 52.260 333.952 52.260

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $40.26 mean?
Dimeco (DIMC) has a Cyclically Adjusted Book per Share of $40.26 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Dimeco and its competitors.
Is Dimeco's Cyclically Adjusted Book per Share too high?
Dimeco's current Cyclically Adjusted Book per Share is $40.26. Overall, Dimeco has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dimeco's Cyclically Adjusted Book per Share compare to MNAT and EMYB?
Dimeco's Cyclically Adjusted Book per Share of $40.26 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Dimeco and its competitors. Dimeco's current Cyclically Adjusted Book per Share is $40.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dimeco stock overvalued right now?
Based on GuruFocus' analysis, Dimeco (DIMC) is currently considered Modestly Overvalued. The stock's GF Value™ is $51.25, compared to a current price of $63.80 — trading 24.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is $40.26. Dimeco's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Dimeco (DIMC), the current Cyclically Adjusted Book per Share is $40.26 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Dimeco (DIMC) Overvalued in 2026?

Based on GuruFocus' analysis, Dimeco stock appears to be overvalued. The current stock price of $63.80 is trading 24.5% above its estimated GF Value™ of $51.25. GuruFocus considers Dimeco to be Modestly Overvalued.

Key valuation signals for DIMC:

  • Cyclically Adjusted Book per Share: $40.26
  • GF Value™: $51.25 vs. price of $63.80 (24.5% above fair value)
  • GF Score™: 51/100 with 5 warning signs

No single metric tells the full story. See the DIMC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Dimeco Business Description

Address 820 Church Street, P.O Box 509, Honesdale, PA, USA, 18431
Dimeco Inc is a United States-based holding company. It provides banking and bank-related services that include interest earnings on residential real estate, commercial mortgages, commercial and consumer financing as well as interest earnings on investment securities. The Company along with its subsidiary provides deposit services including checking, savings, and certificate of deposit accounts and investment services.
51GF Score

Get the complete analysis for DIMC

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$63.80
Price
$51.25
GF Value